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How Health Insurance Works
 
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When I consider purchasing an individual health insurance plan for myself or my family, do I have any financial obligations beyond the monthly premium and annual deductible? Answers: It depends on the plan, but some plans have the following cost-sharing elements that you should be aware of. Co-Payments: Some plans include a co-payment, which is typically a specific flat fee you pay for each medical service, such as $30 for an office visit. After the co-payment is made, the insurance company typically pays the remainder of the covered medical charges. Deductibles: Some plans include a deductible, which typically refers to the amount of money you must pay each year before your health insurance plan starts to pay for covered medical expenses. Coinsurance: Some plans include coinsurance. Coinsurance is a cost sharing requirement that makes you responsible for paying a certain percentage of any costs. The insurance company pays the remaining percentage of the covered medical expenses after your insurance deductible is met. Out-of-pocket limit: Some plans include an out-of-pocket limit. Typically, the out-of-pocket limit is the maximum amount you will pay out of your own pocket for covered medical expenses in a given year. The out-of-pocket limit typically includes deductibles and coinsurance. But, out-of-pocket limits don't typically apply to co-payments. Lifetime maximum: Most plans include a lifetime maximum. Typically the lifetime maximum is the amount your insurance plan will pay for covered medical expenses in the course of your lifetime. Exclusions & Limitations: Most health insurance carriers disclose exclusions & limitations of their plans. It is always a good idea to know what benefits are limited and which services are excluded on your plan. You will be obligated to pay for 100% of services that are excluded on your policy. Beginning September 23, 2010, the Patient Protection and Affordable Care Act (health care reform) begins to phase out annual dollar limits. Starting on September 23, 2012, annual limits on health insurance plans must be at least $2 million. By 2014 no new health insurance plan will be permitted to have an annual dollar limit on most covered benefits. Some health insurance plans purchased before March 23, 2010 have what is called "grandfathered status." Health Insurance Plans with Grandfathered status are exempt from several changes required by health care reform including this phase out of annual limits on health coverage. If you purchased your health insurance policy after March 23, 2010 and you're due for a routine preventive care screening like a mammogram or colonoscopy, you may be able to receive that preventive care screening without making a co-payment. You can talk to your insurer or your licensed eHealthInsurance agent if you need help determining whether or not you qualify for a screening without a co-payment. There are five important changes that occurred with individual and family health insurance policies on September 23, 2010. Those changes are: 1. Added protection from rate increases: Insurance companies will need to publically disclose any rate increases and provide justification before raising your monthly premiums. 2. Added protection from having insurance canceled: An insurance company cannot cancel your policy except in cases of intentional misrepresentations or fraud. 3. Coverage for preventive care: Certain recommended preventive services, immunizations, and screenings will be covered with no cost sharing requirement. 4. No lifetime maximums on health coverage: No lifetime limits on the dollar value of those health benefits deemed to be essential by the Department of Health and Human Services. 5. No pre-existing condition exclusions for children: If you have children under the age of 19 with pre-existing medical conditions, their application for health insurance cannot be declined due to a pre-existing medical condition. In some states a child may need to wait for the state's open-enrollment period before their application will be approved.
Views: 567284 eHealth
How Much Do Companies Pay For Health Insurance?
 
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The average premium for family coverage is $1,462 per month or $17,545 per year (source). These amounts are generally split by the employer and employee. On average, employers pay: $5,179 annually (83 percent of the premium) to cover a single employee. Faqs about benefits health spending and insurance issues how much do cost employers? What does the private sector spend on benefits? . How much health insurance should a small business justworks. How much do you pay for health insurance? should an employer employees'. Agency for healthcare research and quality, center financing, access cost trends. Companies rising health insurance costs are eating into employees' paycheck in the united states wikipedia. How much does it cost to provide health insurance. Companies provide healthcare coverage to about 170 not only do premiums increase over time, but many as 19 sep 2017 the cost of buying health at work has increased faster than that, and so employers try their best balance how much they insurance in united states is a major factor access. Employees paid the remaining 17 percent, or a year 8 nov 2016 this of course is full cost premiums and does not account for any kind on average, employers with group health insurance pay about $521 per small business frequent source stress many how much are you paying into your company's care plan? The answer always obvious. Thanks to the wonders of automated payroll processing, we in this rapidly changing environment, there's no 'benchmark' amount that employers should pay towards their employees' health insurance policies. These amounts are generally split by the employer and employee. Medical expenditure panel survey (meps) insurance component, 16 sep 2016 collectively, u. 28 sep 2015 the average premium for family coverage is per month or per year (source). How much does health insurance cost small employers? Ehealth how business cost? the number of employers offering fully paid care is here's what my company will pay for new a big problem. Faq how much does it cost to provide health insurance. Many people with pre existing conditions such as cancer and depression are for employers, their contribution was in 1999 2009. How much will obamacare cost me the balance. In 2015, the average company provided health insurance policy totaled a year for single coverage. Study the average cost of small business health insurance. Googleusercontent search Faq how much does it cost to provide health insurance what percent of is paid by employers? . On average, employers paid 83 percent of the premium, or a year. Companies hiring now that cover 100. On average, employers pay annually (83 percent of the premium) to cover a single employee 16 feb 2016 83 health insurance for coverage. Companies that cover 100% of employee health insurance premiums. Health insurance employee health care costs are rising what do employers pay for benefits as a percent of average annual single premium per enrolled how much healthcare expenses r
TOP 10 Tips for CHEAPER Car Insurance - How to get Lower Auto Insurance Rates (2017-2018)
 
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GET FREE CAR INSURANCE QUOTES: http://lowcostcarinsuranceprice.com/ CLICK HERE Subscribe: https://www.youtube.com/user/kevinhunter7 How do you buy car insurance, and how do I get the best rate on car insurance? You came to the right place. From the Author of "How to Beat the Dealers Finance Office," "Car Scam of the Decade," and "13 Car Buying Mistakes," these are the top ten tips for cheaper car insurance as presented by Kevin Hunter. Would you like to get cheap car insurance rates? Lower auto insurance premiums? From the author of "13 Car Buying Mistakes" Kevin Hunter comes this fantastic video. Do your homework and get multiple quotes. It's your ticket to save you money on car insurance! According to Edmunds: 1. Get more than one rate quote before you commit."Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next," says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state's regulators. Click on your state and you're taken to the state's Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies. You'll also learn how many complaints each company has logged. Surprisingly, you don't have to sacrifice service quality to score a low premium. "A lot of the lower-priced companies have the best service rates," says Hunter.There are a host of independent Web sites, like CarInsurance.com, that allow you to comparison-shop by offering online price quotes. 2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you've got a few models on your shortlist, contact your carrier to see what rate each vehicle commands. 3. Go high on deductibles.If you're willing to give a little with your deductible, you can wind up saving big on your rates. "If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy," says Hunter. 4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. "Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don't buy the coverage," says Hunter. 5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. "Your credit score can be very important in determining your rate," says Hunter. "You can wind up paying up to 50 percent more if you have a bad credit score." 6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver. 7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers. 8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. "Many carriers offer discounts. Ask for them when you're shopping," says Hunter. 9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. "They use lapses in coverage to increase your premium," says Hunter. Pay your insurance bills on time. 10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums. If you've ever seen "The £26 a YEAR car insurance man - Martin Lewis" you're going to enjoy this video. Kevin Hunter resides in Longview, Washington with his wife Stephanie and daughters Jackie and Alison. The Business Forum Show, TBFS Radio, Street Wyze, You Don't Know JACKIE,and Children's Stories are just a few of the broadcasts and studio based video productions he does. If you'd like to know how to grow your online presence for personal, business, or professional purposes, you can reach Kevin Hunter at (360) 545-3501 today.
Views: 72522 Kevin Hunter
Actual Live Sales Call Sales Training
 
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Get your FREE Millionaire Booklet at https://millionairebooklet.com/free?utm_source=youtube&utm_medium=social&utm_campaign=funnel&utm_term=millionaire%20booklet Sales training expert Grant Cardone demonstrates how to handle ACTUAL Live Sales Calls and videos it for you to learn from. Watch this video and make notes of the exact techniques used to handle price objections, justify the price and close and then lock the deal down. ---- ►Where to follow and listen to Uncle G: Instagram: https://www.instagram.com/grantcardone Facebook: https://www.facebook.com/grantcardonefan SnapChat:  https://www.snapchat.com/add/grantcardone. Twitter: https://twitter.com/GrantCardone Website: http://www.grantcardonetv.com Products: http://www.grantcardone.com Medium: https://medium.com/@grantcardone LinkedIn: https://www.linkedin.com/in/grantcardone/ iTunes: https://itunes.apple.com/us/podcast/cardone-zone/id825614458 ---- Thank you for watching this video—Please Share it. I like to read comments so please leave a comment and… ► Subscribe to My Channel: https://www.youtube.com/user/GrantCardone -- Grant Cardone is a New York Times bestselling author, the #1 sales trainer in the world, and an internationally renowned speaker on leadership, real estate investing, entrepreneurship, social media, and finance.  His 5 privately held companies have annual revenues exceeding $100 million. Forbes named Mr. Cardone #1 of the "25 Marketing Influencers to Watch in 2017". Grant’s straight-shooting viewpoints on the economy, the middle class, and business have made him a valuable resource for media seeking commentary and insights on real topics that matter. He regularly appears on Fox News, Fox Business, CNBC, and MSNBC, and writes for Forbes, Success Magazine, Business Insider, Entrepreneur.com, and the Huffington Post. He urges his followers and clients to make success their duty, responsibility, and obligation. He currently resides in South Florida with his wife and two daughters. Learn more at www.grantcardone.com Listen to Grant Cardone featured in G-Easy and DJ Carnage’s latest music video (at 4:05) HERE:  https://youtu.be/A-sS_Ts2Bjc Ready to Create Wealth in your Life? Go here http://grantcardoneplaybook.com/ Ready to increase your sales? Go here http://cardoneu.com Ready to Master Objections? Go here: http://masteringobjections.com/ Ready to Master Cold Calling? Go here: http://masterthecoldcall.com/ Get the Ultimate Hustler Package! Go here: http://cardoneuniversity.com/hustler/ ---- ►Get Grant’s best selling books: The 10X Rule: https://grantcardone.com/collections/all-products/products/the-10x-rule-book Sell or Be Sold: https://grantcardone.com/collections/all-products/products/sell-or-be-sold-book The Closer’s Survival Guide: https://grantcardone.com/collections/all-products/products/the-closers-survival-guide-book Be Obsessed or Be Average: https://grantcardone.com/collections/all-products/products/be-obsessed-or-be-average
Views: 2512049 Grant Cardone
Healthcare Part 4: Premiums Skyrocketing Long Before ACA
 
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Runaway U.S. healthcare costs are reflected in the annual premiums of employer-sponsored health insurance plans. The average premium for family coverage was nearly $19,000 in 2017 — more than triple the premium in 1999. The worker’s share jumped from $1,500 to $5,700 — almost four times higher. In the non-group insurance market, the Affordable Care Act shifted some of the cost of private insurance to the federal government. That helped millions of people but did little to control overall prices that had been skyrocketing for years. Learn More Here: http://www.connectthedotsusa.com/medi... Click on “Extras” for Printable Medicare-For-All Flyers http://www.connectthedotsusa.com/heal... Click on “Extras” for Printable Healthcare & ACA Flyers Medicare-For-All & Healthcare FREE Downloadable JPGs: http://www.connectthedotsusa.com/sing... Data Sources: Employer Health Benefits Survey: https://www.kff.org/health-costs/report/2017-employer-health-benefits-survey/ ACA Summary: http://kff.org/health-reform/fact-sheet/summary-of-the-affordable-care-act/ Federal Poverty Guidelines: http://familiesusa.org/product/federal-poverty-guidelines ACA Subsidy Calculator: http://kff.org/interactive/subsidy-calculator/ Many ACA Provisions Are Popular: https://www.kff.org/health-costs/poll-finding/kaiser-health-tracking-poll-november-2016/ Visit the Website: http://www.connectthedotsusa.com Like on Facebook: https://bit.ly/2LanBdf Follow on Twitter: https://twitter.com/connectdotsusa ConnectTheDotsUSA is the one-stop place for easy-to-understand, easy-to-share, informative eye-candy on today's most complex policy issues. We break down big topics like Healthcare, Jobs and the Economy, and the Federal Budget. An informed citizenry is our best hope of getting our policies to work for the many, not just the elite few — you know, the definition of “We The People.” Politics should be about POLICY, not personalities or platitudes (or blind party loyalty). Having a solid grasp of policy basics is your best defense against organized money’s propaganda, corporate media and fake nonsense. At ConnectTheDotsUSA, we do rigorous, fact-based analyses to inform our policy prescriptions, with the goal of solving actual problems in the real world and creating a more fair and happy society.
Inspirational Sales Video Must Watch by Grant Cardone
 
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Sales Training expert Grant Cardone talks to 2000 realtors about domination, real estate, sales, social media, money, media and why you have to get attention in the marketplace. This one hour inspirational presentation includes the Lehman collapse and how Cardone used that economic problem as an opportunity to expand his companies.To Learn more about growing your finances, get your FREE Millionaire Booklet here: https://millionairebooklet.com/free?utm_source=youtube&utm_medium=social&utm_campaign=funnel&utm_term=millionaire%20booklet Also, be sure to check out the 10X Growth Conference, the #1 conference for sales people, business owners, marketers, and entrepreneurs! https://10xgrowthcon.com/?utm_source=youtube&utm_medium=referral&utm_campaign=youtube-inspirationalsalesvideo&utm_content=may222013 ---- ►Where to follow and listen to Uncle G: Instagram: https://www.instagram.com/grantcardone Facebook: https://www.facebook.com/grantcardonefan SnapChat:  https://www.snapchat.com/add/grantcardone. Twitter: https://twitter.com/GrantCardone Website: http://www.grantcardonetv.com Products: http://www.grantcardone.com Medium: https://medium.com/@grantcardone LinkedIn: https://www.linkedin.com/in/grantcardone/ iTunes: https://itunes.apple.com/us/podcast/cardone-zone/id825614458 ---- Thank you for watching this video—Please Share it. I like to read comments so please leave a comment and… ► Subscribe to My Channel: https://www.youtube.com/user/GrantCardone -- Grant Cardone is a New York Times bestselling author, the #1 sales trainer in the world, and an internationally renowned speaker on leadership, real estate investing, entrepreneurship, social media, and finance.  His 5 privately held companies have annual revenues exceeding $100 million. Forbes named Mr. Cardone #1 of the "25 Marketing Influencers to Watch in 2017". Grant’s straight-shooting viewpoints on the economy, the middle class, and business have made him a valuable resource for media seeking commentary and insights on real topics that matter. He regularly appears on Fox News, Fox Business, CNBC, and MSNBC, and writes for Forbes, Success Magazine, Business Insider, Entrepreneur.com, and the Huffington Post. He urges his followers and clients to make success their duty, responsibility, and obligation. He currently resides in South Florida with his wife and two daughters. Learn more at www.grantcardone.com Listen to Grant Cardone featured in G-Easy and DJ Carnage’s latest music video (at 4:05) HERE:  https://youtu.be/A-sS_Ts2Bjc Ready to Create Wealth in your Life? Go here http://grantcardoneplaybook.com/ Ready to increase your sales? Go here http://cardoneu.com Ready to Master Objections? Go here: http://masteringobjections.com/ Ready to Master Cold Calling? Go here: http://masterthecoldcall.com/ Get the Ultimate Hustler Package! Go here: http://cardoneuniversity.com/hustler/ ---- ►Get Grant’s best selling books: The 10X Rule: https://grantcardone.com/collections/all-products/products/the-10x-rule-book Sell or Be Sold: https://grantcardone.com/collections/all-products/products/sell-or-be-sold-book The Closer’s Survival Guide: https://grantcardone.com/collections/all-products/products/the-closers-survival-guide-book Be Obsessed or Be Average: https://grantcardone.com/collections/all-products/products/be-obsessed-or-be-average
Views: 1902334 Grant Cardone
Weighing the Facts of Obesity
 
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Obesity among children and adults dramatically increases the risk of chronic illnesses such as heart disease and type 2 diabetes. What are the contributing factors that lead to being overweight? In this seminar, Harvard Medical School doctors and researchers will address the stigma that surrounds obesity and discuss concrete methods, including changes to sleep and diet, that could help scale back this growing problem. Like Harvard Medical School on Facebook: https://goo.gl/4dwXyZ Follow on Twitter: https://goo.gl/GbrmQM Follow on Instagram: https://goo.gl/s1w4up Follow on LinkedIn: https://goo.gl/04vRgY
Health Insurance Cost For Some Minnesotans Dropping- MNsure News Conference
 
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Press release: Minnesota Commerce Commissioner Mike Rothman today released the 2018 insurance company rates for individual and small group health plans in advance of the open enrollment period that begins on November 1. After two years of large rate increases in the individual market, a new state reinsurance program will help stabilize rates for Minnesotans who buy their own coverage in 2018. “While recent state actions helped to stabilize the individual market, too many Minnesotans are still paying too much for the coverage they need,” said Rothman. “The individual market survived a near-fatal crisis last year, but its recovery is still very tentative. Federal and state policymakers must address health care costs to ensure that Minnesotans have access to affordable, comprehensive health coverage.” The individual market rates apply to health insurance plans that Minnesotans purchase for themselves and their families through MNsure, insurance agents or the insurance companies directly. The rates do not affect most Minnesotans, who are covered by employer-based insurance or public programs like Medicare, Medicaid and MinnesotaCare. Less than four percent of Minnesotans (approximately 166,000) currently get their coverage from individual policies, while five percent (approximately 263,000) get coverage from small group policies, which are for employers with fewer than 50 full-time workers. For insurers in the individual market, the average statewide rate changes for 2018 range from a 38 percent decrease to a less than three percent increase – compared to rate increases of 50 percent and more that occurred in 2017. For insurers in the small group market, the average 2018 rates range from essentially no change to a 23 percent increase, with increases from 7.8 percent to 12.2 percent for the three largest small group insurers.
Views: 73 Michael McIntee
Insurance Costs and How Personal Information Can Affect Them - 2017 Insurance Costs
 
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Get health insurance through your employer? Aca repeal will. Don't factor in your job, income history, gender, or any other personal information. Click to read our car affects your price. Adults not because they turned down coverage offered to them, but. Without cost sharing, bringing new benefits to 71 million americans. Tops the list because residents get unlimited lifetime personal injury protection that means if you have significant assets, you'll want to protect them with more coverage. Insurers are not allowed to deny coverage or set premium prices based on what health insurance providers selling plans the exchange in 2017? Where you live state affects cost of your premium, as well please visit healthcare. Below, you can review information on pending rate filings for individual and small 2 nov 2016 while these significant price increases will affect many consumers, it's important health insurance agent who legally provide with. Terms of use and permissions pages at npr for further information fortunately consumers, the federal regulations regarding individual health insurance set guidelines on how aca compliant plans can adjust their rates based many factors affect your auto premium. Many factors influence insurance prices, in addition to your personal details 5 may 2016 state and federal regulators will be reviewing the proposed rates over next that insurers can recoup past losses, but rather it allows them go forward under aca, people without health are generally expected is unclear how changes impact premium requests for 2017 22 apr whether has succeeded a debate another blog, we help you must provide plan information including tier, deductibles coverage rules all consumers comparison shop. A fair amount of personal information to get the most accurate price how you could cheaper car insurance. The how the affordable care act 'obamacare' affects yourates and paying for health coverage. Affect health insurance costs obamacare facts let's take a look at factors that affect for premiums and cost individual vs. All rights reserved 13 dec 2016 information can also be found regarding eligibility for help with paying the 2017 open enrollment period began nov. In 2017, the individual deductible jumps 74 percent to $405 22 jul 2016 location also has a huge impact on your car insurance rates. What determines the price of my auto insurance policy? 2017 rate filings and review office montana how much will obamacare cost me? Or families does car cost? The simple dollarwhat affects a quote aviva. At the intersection of health, health care, and policy. January 11, 2017 the loss of protections and subsidies in individual insurance market. How age affects health insurance costs valuepenguin. Affect health insurance costs obamacare facts. Although their health plan covers all seven of them, they're only charged on take a look at the individual and family insurance plans to get more information learn about factors that affect premium costs find out what you can do premiums based in your application higher or refusing provide them with coverage. Individual driving history for both men and women will have a greater impact insurance companies offering individual small group health plans are the authority to disapprove rates or prevent them from taking affect. Tax credit payments and cost sharing reductions for the coverage year in fall aca repeal will affect you, too. Open enrollment for 2017 starts november 1, 2016 and ends january 31, 6 republicans will argue that by cutting back insurance standards, their bill second, the degree of protection affects how much enrollees in 2020, would increase costs average enrollee. Analysis gop plan to cost obamacare enrollees more a how health insurance marketplace plans set your premiums deductibles are on the rise for 2017, along with monthly will care affect costs? Npr. What to look for in 2017 aca marketplace premium changes. March 8, 20174 28 pm et roeder i personally was affected by that. Car insurance myths credit score does not affect rate the health marketplace irs. Gov to more information on exchange plan if an individual is qualified for medicaid, they will be referred ohio's office your current health rates displayed at the top of page; Scroll down view and in effect cobra coverage michigan insurance customer service learn costs, number people a does affect what you pay. In other words, they have to ask how much it will cost them insure the beneficiary pool.
Views: 6 IS LVR
H.O.P.E. What You Eat Matters (2018) - Full Documentary (Subs: AR/EN/ES/FR/ID/NL/PT/ZH)
 
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"H.O.P.E. What You Eat Matters" is a life-changing documentary uncovering and revealing the effects of our typical Western diet on our health, the environment and animals. Featuring Jane Goodall, T. Colin Campbell, Caldwell B. Esselstyn, Vandana Shiva, Melanie Joy and many other experts, the film has a clear message: By changing our eating habits, we can change the world! Note: Content may not be suitable for younger children. Applicable German youth protection rating: FSK-12 (not suitable for audiences younger than 12 years) For updates, newsletter sign up and more information visit our website: https://www.hope-theproject.com Facebook-page: https://www.facebook.com/HealingOfPlanetEarth H.O.P.E. The Project – Healing Of Planet Earth Our vision is to create mass awareness about the vital importance of a whole-food, plant-based diet, ideally organic: Living healthy We opt for a healthier life. Eating a whole-food diet without animal products has the potential to prevent and reverse diseases and obesity, which improves our health and longevity. Conservation of Nature and the Environment We support the preservation of nature and the environment. An organic, plant-based diet conserves natural resources, saves biodiversity and helps to reduce our ecological footprint. Protect animals We protect the lives of countless animals and promote a more peaceful world in which people understand that all living beings are entitled to compassion, dignity and life. We are committed to sharing our documentary "H.O.P.E. What You Eat Matters" with as many people as possible. This is why we provide the film free of charge! Watch and realize: what you eat can change the world. That is our vision!
Views: 89287 H.O.P.E. The Project
Health Insurance
 
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Health Insurance A recent Harvard study noted that statistically, "your family is just one serious illness away from bankruptcy." They also concluded that, "62% of all personal bankruptcies in the U.S. in 2007 were caused by health problems and 78% of those filers had medical insurance at the start of their illness." Those numbers alone should urge you to obtain health insurance, or increase your current coverage. The key to finding adequate coverage is shopping around. While the best option and the least expensive is participating in your employer's insurance program, many smaller businesses do not offer this benefit. Finding affordable health insurance is difficult, particularly without an employer-sponsored program or if you have a pre-existing condition. According to the Kaiser/HRET survey, the average premium cost to the employee in an employer sponsored health care program was around $4,100. With rising co-payments, yearly deductibles and dropped coverage's, health insurance has become a luxury less and less can afford, yet even a minimal policy is better than having no coverage. The cost for a day in the hospital can range from $985 to $2,696. Even if you have minimal coverage, it can provide some monetary benefit for your hospital stay. As the health care debate continues in Washington, approximately 48 million Americans are without insurance coverage. Check with your employer regarding health care benefits, inquire of any occupational organizations that you belong to regarding possible group health coverage. If you are over age 50, AARP has some health insurance offers available. (To learn more, check out Buying Private Health Insurance.) Long-Term Disability Coverage This is the one insurance most us think we will never need, as none of us assumes we will become disabled. Yet, statistics from the Social Security Administration show that three in 10 workers entering the workforce will become disabled, and will be unable to work before they reach the age of retirement. Of the population, 12% are currently disabled in some form, and nearly 50% of those workers are in their working years. Even those workers that have great health insurance, a nice nest egg and a good life insurance policy never prepare for the day when they might not be able to work for weeks, months or may not ever be able to return to the job. While health insurance pays for your hospitalization and medical bills, where is money coming from to pay those daily expenses that your paycheck covers? Here are a few very sobering statistics regarding disability: Disability Causes Nearly 50% of all Mortgage Foreclosures, 2% are Caused by Death. Close to 90% of Disabling Accidents and Illnesses Are not Work Related. In the Last 10 Minutes, 498 Americans Became Disabled. If you are injured and off work for even three months, would you have enough in savings to cover your living expenses? Consider what you might face financially if you suffer a major medical condition such as cancer and were unable to work for over a year. Many employers offer both short-term and long-term disability coverage as part of their benefits package. This would be the best option for securing affordable disability coverage. If they don't, seek out a private insurer. If you aren't sure how much coverage you need, AARP offers a very good disability insurance calculator to help you. A policy that guarantees income replacement is the optimal policy; more usual terms are replacement of 50 to 60% of your income. The cost of disability insurance is based on many factors including age, lifestyle and health. For group or employer coverage, the average rate in 2009 was about $238 per year or approximately $5 per week. A small price to pay if you are faced with a devastating illness or injury. Disability insurance will guarantee that you will have some income when you can't work.
Views: 3081 Funny
Keeping your health law plan may mean premium hike
 
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YOUR DESCRIPTION HAS REACHED THE LIMIT OF CHARACTERS ALLOWED AND WAS CUT. WASHINGTON (AP) -- Many of the 7 million consumers who got insurance under President Barack Obama's health care law will see their premiums rise next year unless they switch to another plan, independent analysts said as the government released details Friday. The Health and Human Services department released a massive computer file of 2015 premiums one day ahead of the start of open enrollment. Those numbers will take time to fully analyze. Overall, they are expected to show that premiums for a type of low-price plan that the government uses to set subsidies for consumers will cost roughly the same as this year, about $330 a month on average. Many people will pay much less after subsidies, about 25 percent of the cost, which will be good news for first-time customers. But there is a catch if you are already a customer: Your plan may no longer be the lost-cost benchmark in your community. In that case, you'll pay more unless you switch. "Just because you enrolled in a low-cost plan this year is no guarantee that your plan will also be low-cost next year," said Larry Levitt of the nonpartisan Kaiser Family Foundation. He analyzed a 48-city sample of 2015 premiums from data available earlier this week. "Last year's low cost plans will experience premium increases, meaning the majority of consumers will experience cost increases if they re-enroll in the same plan," said Caroline Pearson of Avalere Health, a private market analysis firm. An early look by Avalare at premiums for a hypothetical 50-year-old nonsmoker in the benchmark plan found wide differences among states, from a 28 percent increase in Alaska to a 19 percent reduction in Mississippi. Most states saw single-digit changes. Consumers should be wary of national and even state averages, and instead focus on what's happening with their own plan, the analysis said. The shifts are due to the ups and downs of the market, and to cost-saving provisions written into the law. The Affordable Care Act offers subsidized private health insurance to people who don't have access to coverage on the job. HealthCare.gov and state insurance markets are launching their second annual sign-up season, which runs through Feb. 15. This year, 85 percent of their customers received tax credits to subsidize their premiums. Those existing customers will be renewing coverage for the first time. Some could face sticker shock. The following example uses actual premiums from HealthCare.gov, and was provided by the Kaiser Foundation: Take a hypothetical 40-year-old retail salesperson in Miami making $20,000 a year. This year, she signed up for the benchmark low-cost plan in her area, the "Coventry $10 Copay." The full premium was $270 a month. Her government tax credit covered $184 of that, so her share was $86 a month. For 2015, Coventry is no longer the benchmark plan. Instead, it's the "Molina Silver HMO," with a monthly premium of $274. If the consumer switches to Molina for 2015, the government will pay $191 and her share will be $83. But if she wants to stay with Coventry, she'll see a 40 percent increase. That's because Coventry increased its premium to $311 for 2015. And also, the federal share will be capped at $191 - what the government would pay for the benchmark Molina plan. The consumer would be on the hook for $120 a month. Part of the reason for such shifts is that the health care law was designed like a voucher system. You get a tax credit for health insurance based on your income and on the premium for the benchmark plan in your area, called the "second-lowest-cost silver plan." Plans are offered
Views: 20 LOCAL 12
THE MINDSET OF HIGH ACHIEVERS - Best Motivational Video for Success in Life & Study 2017
 
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The most Inspirational video ever by Denzel Washington. “Do what the 99% are not doing” 2017 Motivational Video. ►Motivational Alarm Clocks https://beinspiredchannel.com/alarms =================================================================== Follow us http://www.facebook.com/BeInspiredChannel https://www.instagram.com/beinspiredchannel/ http://BeInspiredChannel.Com https://soundcloud.com/beinspiredchannel http://twitter.com/beinspiredCHNL =================================================================== Thank you Tom Bilyeu for your great work. Subscribe to Tom's channel: https://www.youtube.com/channel/UCnYMOamNKLGVlJgRUbamveA Thanks to Jocko Podcast for the great content Subscribe to their channel : https://www.youtube.com/channel/UCkqcY4CAuBFNFho6JgygCnA =================================================================== PLEASE SUPPORT ME ON PATREON FOR CREATING MORE PROFESSIONAL VIDEOS http://bit.ly/2fGn4Ab =================================================================== SUBSCRIBE TO MY OTHER CHANNEL FOR DAILY MOTIVATION https://www.youtube.com/channel/UCK9i-t1GwUeVVmddPCCdqCg =================================================================== Video used: Hold True to Your Vision | Impact Quotes by Tom Bilyeu https://youtu.be/I58ra49kC-Y =================================================================== Speakers: DENZEL WASHINGTON JOHN C. MAXWELL DAVID GOGGINS JOCKO WILLINK TOM BILYEU =================================================================== Music Sources: Buy Really Slow Motion music Amazon : http://amzn.to/1lTltY5 iTunes: http://bit.ly/1ee3l8K Spotify: http://bit.ly/1r3lPvN Bandcamp: http://bit.ly/1DqtZSo ------------------------------------------------ Music by Really Slow Motion Really Slow Motion - My Spidey Stems Are Tingling Really Slow Motion - Lion Heart (Epic Magical Music) Visit us on: Website: http://www.reallyslowmotion.com/ Facebook: https://www.facebook.com/ReallySlowMotion Twitter: https://twitter.com/#!/RSMmusicSound Youtube: http://www.youtube.com/user/reallyslowmotion Soundcloud: https://soundcloud.com/reallyslowmotion Music by Position Music =================================================================== FAIR-USE COPYRIGHT DISCLAIMER * Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, commenting, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. 1)This video has no negative impact on the original works (It would actually be positive for them) 2)This video is also for teaching purposes. 3)It is not transformative in nature. 4)I only used bits and pieces of videos to get the point across where necessary. BE INSPIRED does not own the rights to these video clips. They have, in accordance with fair use, been repurposed with the intent of educating and inspiring others. However, if any content owners would like their images removed, please contact us by email at BEINSPIRED_CONTACT@YAHOO.RO Help us caption & translate this video! http://amara.org/v/88dD/
Views: 4421673 Be Inspired
Facts on Saving For College - Western & Southern
 
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Opportunity “Education is the most powerful weapon which you can use to change the world” – Nelson Mandela Challenge The average 2016-2017 tuition increase was 3.5% at private colleges. The average sticker price for a public 4-year in-state college is $24,930.(source: 2017 College Board Trends) In 2015, young adults with a Bachelor’s Degree earned 64% more than young adults with a High School Diploma - $49,000 vs. $30,000 (source: “Annual Earnings of Young Adults, National Center for Education Statistics, April 2017) Funding a higher education. Are you ready? Talk to one our Financial Representatives for options available to you. Western & Southern Financial Group All companies are members of Western & Southern Financial Group. ©2017 The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, CT, ME, MA, NH, NY and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. VID1237 1711
The Progressive Income Tax: A Tale of Three Brothers
 
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"The Progressive Income Tax" is one of those economic terms that gets bandied about, but few actually know what it means or how it works. This tale of three similar brothers with three different incomes (but one shared expense) helps explain the tax system under which we live. Adapted from an article by noted investor and economist, Kip Hagopian, and narrated by actress Carolyn Hennesy of "General Hospital" and "True Blood" fame, this animated story will change the way you think about how you pay your taxes.  Donate today to PragerU! http://l.prageru.com/2ylo1Yt Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: Once upon a time, there were three brothers, triplets, named Tom, Dick, and Harry Class. They were raised in the same home, with the same parents, had the same IQ, same skills and same opportunities. Each was married and had two children. They were all carpenters making $25 per hour. While they were very similar in all these respects, they had different priorities. For example, Tom, chose to work 20 hours per week, while his brother, Dick worked 40 hours and Harry 60. It should also be noted that Harry's wife worked full time as an office manager for a salary of $50,000. Dick's wife sold real estate part time 10 hours a week and made $25,000 per year. Tom's wife did not work. Tom and Dick spent all of their family income. Since they paid into Social Security they figured, they didn't need to save for retirement. Harry and his wife, on the other hand, had, over many years, put away money each month and invested it in stocks and bonds. Here's how it worked out: Tom made $25,000 a year, Dick and his wife made $75,000 and Harry and his wife, $150,000. When a new housing development opened up in their community, the brothers decided to buy equally-priced homes on the same private street. One day the brothers decided to pool their funds for the purpose of improving their street. Concerned about crime and safety, and wanting a more attractive setting for their homes, the three families decided to install a security gate at the street's entrance; repave the street's surface; and enhance the lighting and landscaping. The work was done for a total cost of $30,000. Harry assumed they would divide the bill three ways, each brother paying $10,000. But Tom and Dick objected. "Why should we pay the same as you?" they said. "You make much more money than we do." Harry was puzzled. "What does that have to do with anything?" he asked. "My family makes more money because my wife and I work long hours, and because we have saved some of the money we've earned to make additional money from investments. Why should we be penalized for that?" "Harry, you can work and save all you like" Tom countered. "But my wife and I want to enjoy ourselves now, not 25 years from now." "Fine, Tom. Do what you want. It's a free country. But why should I have to pay for that? "I can't believe your being so... unbrotherly," Tom argued. "You have a lot of money and I don't. I thought you'd be more generous." At this point, Dick, the peacemaker in the family, entered the conversation. "I've got an idea," Dick said. "Our combined income is $250,000, and $30,000 is 12 percent of that amount. Why don't we each pay that percentage of our income? Under that formula, Tom would pay $3,000, I would pay $9,000, and Harry would pay $18,000." "I have a much better idea," said Tom. "And one that's fairer than what you're proposing." For the complete script, visit https://www.prageru.com/videos/progressive-income-tax-tale-three-brothers
Views: 4710591 PragerU
Overcoming Barriers to Medication Adherence for Chronic Diseases
 
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Medications save lives for countless Americans. People with chronic illnesses such as high blood pressure, coronary artery disease, and HIV can enjoy a good quality of life when they routinely take their medicine. Poor medication adherence is linked with poor clinical outcomes. While these facts may seem obvious, a staggering one half of patients in the US stop taking their medications within one year of being prescribed. The reasons for “medication non-adherence” are varied. Affordability, a lack of understanding of the importance of the medications, and unpleasant side effects are some examples patients cite for not taking their medication as directed. Beyond increased mortality, the result costs the United States billions of dollars a year. Hospital admission rates increase for non-adherent patients with chronic illness by up to 69 percent Comments on this video are allowed in accordance with our comment policy: http://www.cdc.gov/SocialMedia/Tools/CommentPolicy.html This video can also be viewed at https://www.cdc.gov/video/phgr/2017/GR_02-21-2017.mp4
The State of Public Health: A Conversation with Atul Gawande
 
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Introductory Remarks by David T. Ellwood Director, Malcolm Wiener Center for Social Policy A Conversation with Atul Gawande Director, Ariadne Labs Samuel O. Thier Professor of Surgery, Harvard Medical School Cristine Russell (Moderator) Science Journalist Senior Fellow, Belfer Center for Science and International Affairs
How to Love Budgeting This Summer
 
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In this episode, we’ll talk about the best ways to have fun and soak up the sun this summer—without breaking the bank! Get Financial Peace University and go from living paycheck to paycheck to never worrying about money again: https://goo.gl/VXp58g Teach your kids how to be smart with money and keep them from being bored with Financial Peace Junior: https://goo.gl/Fk74kz Download Marlon's amazing budget-friendly summer recipes: https://goo.gl/Jh8x36 Get a quote from Zander Insurance: https://bit.ly/2rlMQ42 Give your family a healthy breakfast that doesn't bust the budget: http://bit.ly/2u4s4Z8 Get the tools and tips featured in this episode: https://goo.gl/i6sxMB Zander Insurance pays the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services in our programing. Advertising fees are not based upon particular insurance products sales or business transacted between any consumer and Zander Insurance.
Views: 28981 Rachel Cruze
Jim Yong Kim: “Ending Poverty: How Health and Innovation Can Lead the Way”
 
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"By 2030, we will be the first generation in human history to end extreme poverty," shared World Bank Group President Jim Yong Kim at the Stanford Global Development and Poverty Initiative's inaugural "Shared Prosperity and Health" conference on October 29, 2015. During his keynote, Kim argued that both individuals and society as a whole benefit when public and private actors invest in global health and development. Learn more about the conference here: http://stanford.io/1ku4XPR. Read more takeaways from his talk on Twitter: http://stanford.io/1ku52TC.
GEHA's Understanding Medicare and the FEHBP Webcast
 
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Are you a federal employee nearing retirement? Now's the time to explore your health benefit options after retirement. Watch this video to learn more about: • Retirement and FEHBP • Understanding Medicare • How Medicare works with GEHA
Views: 179 GEHAhealth
Public Works and Infrastructure Committee - July 10, 2018
 
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Public Works and Infrastructure Committee, meeting 31, July 10, 2018 Agenda and background materials: http://app.toronto.ca/tmmis/decisionBodyProfile.do?function=doPrepare&meetingId=13075 Meeting Navigation: 0:10:03 - Call to order Agenda Items: 0:11:22 - PW31.1 - Annual Report - Lead in Drinking Water Mitigation Strategy  (Ward All) 0:28:24 - PW31.2 - Sewers and Water Supply By-laws 2017 Compliance and Enforcement Annual Report  (Ward All) 0:32:42 - PW31.3 - Congestion Management Plan - Semi-Annual Update  (Ward All) 1:09:26 - PW31.4 - Amendment to Purchase Order No. 6042538 for Engineering Services for Pre-Design and Detailed Design for the Rosehill Reservoir Rehabilitation  (Ward 22, 27) 0:12:24 - PW31.5 - Contract Awards for Tender Call No. 39-2018 and Tender Call No. 40-2018 for the Construction of Sewers and Watermains Associated with the Basement Flooding Protection Program  (Ward 7, 8, 9, 15, 16) 0:12:45 - PW31.6 - Authority to Negotiate a Non-Competitive Contract with Aclara Technologies LLC for the Supply of Proprietary Meter Reading Hardware, System Upgrade and Annual Maintenance and Support  (Ward All) 1:10:01 - PW31.7 - Minding the Gap - Request for Authority to Receive Federal Funding for an Automated Shuttle Pilot Project  (Ward All) 0:13:22 - PW31.8 - Metrolinx Eglinton Crosstown LRT: Long-Term Road Closures and Traffic Regulation Amendments  (Ward 21, 22, 25, 26) 0:14:26 - PW31.9 - Parking Amendment - Broadway Avenue  (Ward 22, 25) 1:12:58 - PW31.10 - Options to Address Single-Use Items, Misleading Advertising, and Textile Waste in the City of Toronto  (Ward All) 2:56:36 - PW31.11 - Green Bin Organic Waste Processing and Capacity in the Province of Ontario  (Ward All)  0:15:13 - PW31.12 - Review of the Scheduling and Awarding of Curb Cut Repair Contracts  (Ward All) 3:00:38 - PW31.13 - Finch West Mobility Greenway  (Ward All)
Power of Focus for Students - By Sandeep Maheshwari I Hindi
 
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There is no limit to the power of the human mind. The mind is just like a shining sun which can produce fire provided its energies are focused and directed towards a single point. Sandeep Maheshwari is a name among millions who struggled, failed and surged ahead in search of success, happiness and contentment. Just like any middle class guy, he too had a bunch of unclear dreams and a blurred vision of his goals in life. All he had was an undying learning attitude to hold on to. Rowing through ups and downs, it was time that taught him the true meaning of his life. To know more, log on to www.sandeepmaheshwari.com Connect with him at Facebook.com/SandeepMaheshwariPage Watch his inspirational videos at Youtube.com/SandeepSeminars #1 Motivational Speech for Students in Hindi
Views: 6919183 Sandeep Maheshwari
2015 Health Plan Rate & Benefit Changes
 
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Gain a better understanding of CalPERS Health Program for 2015. Learn about the changes in benefits, 2015 rates, updates to the Dependent Eligibility Verification (DEV) project, and the Open Enrollment process.
Views: 5985 CalPERS
In Your Face Pelosi! Trump’s Tax Cuts Are Showing HISTORIC Gains!
 
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NEW CHANNEL: http://bit.ly/2L14Ltz - TODAY NEWS We will gradually switch to this new channel, and post next videos here, subscribe to this new channel to watch the latest videos. Thanks. ------------------------------------------------------------------------------------------------ The “crumbs” that Nancy Pelosi complained about regarding President Trump’s tax cuts, are Making America GREAT Again in a big way. In just six months since Trump’s historic tax cuts took effect, women, minorities, and small businesses are WINNING and THRIVING! From Washington Examiner When Republicans passed the Tax Cuts and Jobs Act in December, congressional Democrats denounced the legislation as a reckless attempt to help wealthy corporations at the expense of everyone else. House Minority Leader Nancy Pelosi, D-Calif., famously dismissed the law’s benefits to most taxpayers as “crumbs.” Six months later, many of the groups Pelosi and other Democrats warned would be worse off as a result of the tax reform legislation — including minorities, women, and small businesses — are not only thriving, they are experiencing some of the most notable economic growth in the country’s history. In January, the black unemployment rate was 7.7 percent, but by May, it had dropped to 5.9 percent, the lowest unemployment rate recorded for African-Americans since the Bureau of Labor Statistics began to report such figures in 1972. This rate is made even more impressive considering that prior to President Trump’s time in office, African-Americans had never experienced an unemployment rate below seven percent. Hispanic and Asian unemployment rates are also at historic lows. Hispanic unemployment in 2018 is on pace to be the lowest annual average ever, and the unemployment rate for Asians has dropped by nearly a full percentage point, from 3 to 2.1 percent, since January. That rate is now sitting at its lowest point in BLS records, which date back to 2003. Women are also enjoying groundbreaking economic gains. May’s 3.3 percent unemployment rate for women is lower than any rate recorded since 2000 and is on pace to be the lowest annual rate since 1953. Tax reform has improved other aspects of the economy as well. BLS reports wage growth for the first quarter of 2018 was greater than at any time since the recession of 2008, and numerous welfare programs are experiencing dramatic enrollment decreases. For example, the Centers for Medicare and Medicaid Services reports total Medicaid and Children’s Health Insurance Program enrollment dropped by 728,000 from December 2017 to March 2018, the most recent month for which data are available. By contrast, in the four-month period prior to the tax cuts (September 2017 through December 2017), enrollment increased by 163,000. Similarly, enrollment in the Supplemental Nutrition Assistance Program, commonly referred to as food stamps, decreased by more than 1.1 million from December 2017 to the end of March 2018. Pelosi and other opponents of the tax reform legislation continue to insist the cuts primarily benefit corporations, whose tax rate under the bill fell from 35 percent to 21 percent. Cutting the corporate tax rate was necessary to make America more competitive with the rest of the industrialized world, which has for many years offered much lower corporate tax rates. But corporations weren’t the only businesses to benefit from the law. Various changes affecting small business owners — including the creation of a 20 percent deduction for qualified business income for pass-through businesses — have helped spur confidence among small businesses, who employ about half of all private sector workers. The National Federation of Independent Business reports that its Small Business Optimism Index in May reached the “second highest level in the NFIB survey’s 45-year history.” And NFIB President and CEO Juanita Duggan said optimism among small businesses “is on a stratospheric trajectory thanks to recent tax cuts and regulatory changes.” As difficult as it may be for Pelosi and other advocates of higher taxes and more government control to admit, the successes of the Republican tax reform legislation clearly illustrate that when people are empowered to keep more of their own money, everyone in society benefits. ------------------------------------------------------------------------------------------------ ◆ Latest news videos: https://goo.gl/BmTYua ------------------------------------------------------------------------------------------------ ★ CONNECT WITH US ★ ◆ Google+: https://goo.gl/HHKysp ◆ Email: quylao0711@gmail.com ------------------------------------------------------------------------------------------------ Videos can use content-based copyright law contains reasonable use Fair Use (https://www.youtube.com/yt/copyright/)
Loadings on motor insurance in Hong Kong
 
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http://www.kwiksure.com/website/quote/motor/index.php If you have a motor insurance policy in Hong Kong, you may have a loading on the policy. What does a loading mean? A loading is a way for the insurance to increase the premium, based on the perception of a higher risk. The five normal sources of loading which appear in Hong Kong are as follows. Number 1 is a loading due to age. That is not the age of the driver it is the age of the vehicle. It is a bit controversial because it does apply in some other countries but in Hong Kong, insurer apply a loading if vehicle are over 10 years old. What that means is that they perceived the vehicle to be higher risk than a vehicle under 10 years old. The second source of loading come from accident case. If you have an accident, or perhaps more that an accident in the course of a policy year, the insurer will typically apply for additional loading to you policy. The third source is from high performance car. If you drive a high performance high car like a Lamborghini or a Ferrari, insurance may choose to add loading, because then perceived the risk is higher than an average vehicle. The forth type of loading come from inexperience or young drivers. If you are under 25 or have less that too years of driving experience most Hong Kong insurance will place an additional loading on your motor insurance policy because you are perceived as a higher risk. Practical evidence will show that this is probably true, so loading is a reasonable way for insurer to increase the premium were the risk is higher. The final source of loading come from named drivers. Most Hong Kong policy allowed to name 2 drivers on the policy with no additional charge. If you want to add more than two drivers that is always possible, however insurer will generally a small additional loading for each extra driver, if you have a loading on your policy and you don't understand why or you thing you may have a loading but you are not sure. Please come and talk to us, we will be happy to found a good premium for you. We operate with the most highly regarded and trusted worldwide health insurance who are focused to servicing the demands of the developing globally expat community. Our long relationships with them have been constructed on trust , and we can frequently receive much more interesting estimates than if you went direct to the insurance provider. Policy holdercovered on an annual basis if it sounds like this might be the good insurance for you, find out more about our Hong Kong personal medical coverage page. Will notwill not Hong Kong medical insurance for the family Family health insurance policies in Hong Kong generally extend all the same advantages as an equivalent personal plan, but the coverage umbrella is larger to include your whole family. with a family plan, many variables play a part in plan selection, and insurance companiesinsurers Hong Kong group health insurance For firms and groups , a group insurance plan can be the perfect coverage solution. Group cover represent one of the most customizable protection available and because it is offered by many famous insurance companiesinsurers, there is sure to be a policy available to fit your group's requirements. if you are a frequent traveler, this could be the right kind of protection for you. Because international health cover is very specialized and has numerous options, it is best to discuss your specific situation with an adviser before buying a policy. Insurance companiesinsurance companies We aren't an insurance company, but a broker. It is our belief at www.kwiksure.com that you, have a fundamental right to choose what coverage, if any at all, is right for you. We provide you with the coverage details you need, to enable you to make the right decision. Accurate and reliable all of our medical insurance information come straight from the insurance companiesinsurers write to www.kwiksure.com for a Hong Kong medical insurance You can call one of our staff by filling out an information request form along with a short description about what you require to know about and a member of our advisers will call you back. Expatriateexpat currently in Hong Kong or you are preparing to relocate to the area in future, you could be planning purchasing health cover for yourself and your family. Choosing a medical insurance in Hong Kong, that is the right fit can be difficult given the abundance of insurance companiesinsurance companies nowadays. At www.kwiksure.com, we offer Hong Kong medical insurance plans from greater than 60 different insurance companiesinsurers , so should you agree to buy a Hong Kong health coverage policy from us, you can anticipate to be presented with a wide range of good options. The majority of our plans come assured to be renewable forever and ensure insurance internationally. This grants you to keep your Hong Kong policy with you and maintain continual medical protection in almost any destination worldwide.
Views: 55 Kwiksure HK
How Long Can You Have A Lapse In Health Insurance Coverage?
 
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What's up with the 90 day employer waiting period? Gusto. Html url? Q webcache. 22 jun 2016 kinkade says that 'you have 60 days to make up your mind whether you're going to elect cobra or not. This is called a short gap. In mind before you lose coverage, ways can prevent it, and what to do if for days 31 90 of the grace period, it doesn't have pay claims but will happens i a lapse in coverage 2015? So long as meet get insurance my kids under obamacare tax myself? . Affordable care act faq health insurance resource center. Can i go without insurance? . Can you tell me any other resources i can use to get the paper wor. Understand and avoid health care reform tax penalties job change obamacare how to deal with a insurance gap. A since cobra is a continuation of the past employers group health plan, all your questions q how long do i have to sign up for cobra? Q was recently told that must let my insurance lapse before can be written by this company and even one day in coverage lead higher rates. Myth a lapse in coverage won't affect your rate the right way to cancel or change individual health of insurance changing jobs and sahm (medical, plan obamacare short gap exemption facts. How long does a short gap in coverage exemption last? For those 23 jan 2012 make sure you know your health insurance rights and options, because once how to get for preexisting condition the renewal reinstatement language typical medical that has lapsed, as can provide evidence of 14 mar 2016 if you're falling behind on premiums, could place protect you, some options available should policy lapse. Job change and obamacare how to deal with a health insurance gap insure job. Then you have another 45 days to pay. Thankfully, increased insurance rates are the only negative effect of such a lapse so long as you don't hardship to get behind wheel without car coverage. The maximum amount of time you can wait before activating your employee's health benefits january 12, 2018 connect for colorado open enrollment period closes, but still apply and get covered if have a qualifying life event. Health insurance buy 4 lacs plan @ rs. A lapse in insurance coverage when changing jobs could be costly the long run. Understand and avoid health care reform tax penalties premium payments, grace periods & termination see your options if you lose job based insurance in between jobs? Here's what to do about one pager gap coverage marketplace (cms policy. If insurance is activated after their first day, knowing that simple fact will help them prevent a lapse in coverage for themselves and families. At fault driver for compensation to cover accident related medical treatment 5 apr 2013 how cancel your individual health insurance policy the right way until you have received a new and reviewed coverage 2) can get through exchange when reason losing 3) if i 2014 coverage, where do sign up? Gave 20. Under obamacare, you are allowed one short coverage gap exemption can claim more than for the same month
Views: 65 SS Insure Facts
Step #2 - Retirement Preparedness Checklist: Insure Risks You Cannot Afford to Take
 
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http://www.kimsnider.com Healthcare and long-term care costs pose very real risks to your retirement nest egg. Risk management is the foundation of a solid financial plan, especially in retirement. The most important items to plan and budget for are private health insurance if you are under age 65, Medicare and Medicare Supplement insurance if you are near or over age 65, and a solid long-term care policy. Look into employer-sponsored health coverage available to you as a retiree. Keep in mind that private-sector employers are not required to offer retiree health benefits. Furthermore, if your company provides a plan, nothing in federal law prevents them from cutting or eliminating those benefits. Make sure you read the plan carefully and compare the costs with the benefits offered. If your employer does not offer retiree healthcare benefits, you will need to turn to the non-group market for health insurance coverage. Make sure you know the costs and that you can get coverage before you leave your employer's plan. Given the cost of private insurance, it's important that you know what you need and what you don't. Generally, there is a direct tradeoff between the cost of health insurance and the level of protection it provides. As you weigh this trade-off, keep this in mind: you buy health insurance in case you get sick, not in case you stay healthy. If you are retiring near or over age 65, Medicare and Medicare Supplement insurance will be your primary focus when it comes to healthcare. Medicare Part A is automatically available to you at age 65, if you are taking Social Security. If you are not taking Social Security, you will need to actively enroll. You can enroll in Medicare up to three months before the month you turn 65. Part A, which covers inpatient hospital expenses, is premium-free if you have worked forty quarters and paid Medicare taxes. If you have not worked forty quarters, you will have to pay a premium based on the number of years you have worked in Medicare-covered employment. Medicare Part B, which covers outpatient medical services and is subject to an annual deductible, is available for a premium. The premium is based upon your household income. It is either deducted from your Social Security check or billed to you quarterly if you are not yet receiving Social Security benefits. It is usually best to enroll in Part B at the same time that you apply for Part A; however, you may opt out of Part B coverage, say if you have a group health plan, and opt in later during various enrollment periods. Keep in mind you may incur a penalty for waiting. For more information on Medicare Part A and Part B provisions and enrollment, visit www.medicare.gov. In order to purchase Medicare Supplement insurance, also known as Medigap, you must be enrolled in both Medicare Part A and Part B. Once you have a healthcare solution that fits in your budget and meets your needs, there is one other critically important piece of coverage to consider - long-term care insurance. Consider these statistics: - Americans are living longer than ever beforeóthose surviving to age 65 can expect to live an average of 19 more years. - By 2030, the number of Americans aged 65 and older will more than double to 71 million older Americans, comprising roughly 20% of the U.S. population. - One in three Americans age 65 will need some kind of nursing home care in their lifetime. - Just in the past two years alone, the increase in the average cost of long-term care ranged from 5-13%, depending on the type of service. Don't risk your lifetime of hard work and savings. Make sure you are properly insured in retirement and protected against rising healthcare costs and the need for long-term care. You simply can't afford the alternative.
Views: 2007 KimSnider
Marco Soriano: "ObamaCare should be studied thoroughly by US Congress in 2017" Fox News
 
04:06
Follow us @sorianoGRP or @sorianoCEO Pros The biggest benefit is that it lowers overall healthcare costs. It does this by providing insurance for millions and making preventive care free. People receive treatment before they need expensive emergency room services. In 2015, the cost of health care services increased 0.5%. That's much less than typical price increases of 3.0% to 4.0% annually in the years before the ACA. (Source: "Health Care Services Depress Recent PCE Inflation Readings," Dallas Fed, August 2016.) It requires all insurance plans to cover ten essential health benefits, including treatment for mental health, addiction and chronic diseases. These patients wind up in the emergency room if they don't have access to healthcare. Insurance companies can no longer deny anyone coverage for pre-existing conditions, drop them, or raise premiums once they do get sick. Lifetime and annual limits on coverage are eliminated. Parents can add their children up to age 26 on their health insurance plans. That increases profit for insurance companies, since they receive more premiums without higher costs for these healthier individuals. As of 2012, more than three million previously uninsured young people were added.(Source: Department of Health and Human Services) It provides tax credits for insurance to the middle class (below 400% of the poverty level, or $94,000 for a family of four). States are required to set up insurance exchanges, or use the Federal government's exchange, to make it easier to shop for plans. It expands Medicaid to 138% of the Federal poverty level, providing this coverage to adults without children for the first time. The Medicare "donut hole" gap in coverage is eliminated by 2020. Businesses with more than 50 employees must offer health insurance, but receive tax credits to help with the costs. It lowers the budget deficit by $143 billion over the next 10 years by reducing healthcare costs, shifting cost burdens to health care providers and pharmacy companies, and raising taxes. (Source: CBO CBO Report on Health Care Reform and the Budget; Wall Street Journal, What Health Insurance Ruling Means, June 28, 2012; NPR, Medicaid Expansion, June 27, 2012)
Views: 195 Soriano Group
General Insurance Singapore 65 6922 1737
 
01:42
Employee Benefit Scheme Insurance Singapore. http://businessinsurance.sg/employee-benefits-scheme/insurance/ Singapore Employee Benefits Scheme Specialist Who Is Trusted By Over 500 Customers In Singapore. Download WhitePaper. Seen On Business Week|CNN|Fox|NBC|ABC|CBS Employee Benefits Scheme Insurance Singapore Call Now For Your FREE Consultation (65) 6922-1737 in Singapore Go Direct To Our Services: Personal Guarantee Insurance Singapore - http://businessinsurance.sg/succession-planning/personal-guarantee-insurance/ Keyman Protection Singapore - http://businessinsurance.sg/succession-planning/keyman/ Buy-Sell Agreement In Singapore - http://businessinsurance.sg/succession-planning/buy-sell-agreement/ Singapore Employee Benefits Scheme - http://businessinsurance.sg/employee-benefits-scheme/insurance/ Corporate Pension Singapore - http://businessinsurance.sg/employee-benefits-scheme/corporate-pension/ Professional Indemnity Policy - http://businessinsurance.sg/professional-indemnity/professional-indemnity-policy/ General Insurance - http://businessinsurance.sg/professional-indemnity/general-insurance/ Insurance Claim Consultation - http://businessinsurance.sg/insurance-claim-consultation/for-our-customer/ Business Employee Benefits Scheme Policies In Singapore Besides able to offer professional advice and provide you with various proposals, below are the other Value Added Services that we provide to our corporate Clients On Employee Benefits Scheme: • Staff Briefing on Employee Benefits: Upon commencement of plan, we will organize a briefing to ensure staffs aware of their benefits and procedures for claims, etc. This will enable staffs to appreciate the benefits provided and optimize claim administrations. • Staff Handbook: This allow the staffs to refer to their benefits (personalized to only own benefits), so that staffs can refer to their benefits conveniently, and provide clarity to staffs. • Claim Consultation: Staffs may contact our dedicated team directly to seek assistance to fill up claim form, enquire on claim procedure, etc where this service is very useful to reduce claim turnaround time, especially on complicated claims. • Quarterly or Half-Yearly Review: This review enable HR & Management to analyze their Employee Benefits Scheme to understand the staffs needs & gather feedback. Upon renewal, we will use the findings to fine-tune the Employee Benefits so that it will meet the company's objectives & cater staff needs & preference at the same time. • Awareness Talk & Campaign: We also work with HR & Management to organize talks or campaigns that is in line with companies initiative, on topics such as Health Awareness Seminar, How to quit smoking, How to increase productivity by staying healthy, How to retire comfortably, etc. This has enhance staffs awareness and help create a harmonious & happy working environment among colleagues. Some of the benefits we are offering include: • Group Term Life • Group Personal Accident (PA) • Group Critical Illness • Group Hospitalization & Surgical (H&S) • Group Major Medical • Group Outpatient Clinic (GP) • Group Outpatient Specialist • Maternity Benefits • Dental Benefits On the other hand, we also offer various General Insurance plans including Professional Indemnity, Director & Office Liability, Public Liability, Product Liability, Travel Insurance, Work Injury Compensation, Foreign Worker Medical Insurance, etc. If you need more clarification and consultation on how Employee Benefits Scheme will benefit your business in Singapore, please feel free to contact us. http://businessinsurance.sg/employee-benefits-scheme/insurance/ Singapore Employee Benefits Scheme Specialist Who Is Trusted By Over 500 Customers In Singapore. Download WhitePaper. Seen On Business Week|CNN|Fox|NBC|ABC|CBS Employee Benefit Scheme Insurance Singapore. Call Now For Your FREE Consultation (65) 6922-1737 in Singapore Employee Benefits Scheme Insurance Singapore
Benefits by Topic: Health Classic, Premier and Health Savings Plans for 2017-2018
 
13:27
The three health plans (UMR Classic, Premier and Health Savings Plan) are discussed. Also, watch related FSA/HSA program for the three types of pre-tax health and child care accounts.
2017 Public Health Ethics Forum
 
03:02:29
The 2017 Public Health Ethics Forum, "Optimal Health for Her Whole Life," focuses on a range of health issues and actions to improve the health of women and girls in the United States. The National Center for Bioethics in Research and Health Care at Tuskegee University and the Office of Minority Health and Health Equity at the Centers for Disease Control and Prevention (CDC) host this annual event. This year's forum explores ways to promote and protect women's health across the lifespan by emphasizing public health ethics in the practice of public health. Comments on this video are allowed in accordance with our comment policy: http://www.cdc.gov/SocialMedia/Tools/CommentPolicy.html This video can also be viewed at https://www.cdc.gov/minorityhealth/ethicsforum/2017/videos/2017_PHEF_video_LowRes.mp4
Self-funded vs. Fully-covered Insurance - "How much can I save?"
 
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A discussion regarding the real savings on premium associated with self-funded your health insurance plan within your organization - Especially focused on sending agencies, international organizations, NGOs and non-profit or faith-based agencies. A group discussion with Dale and Brian Bear of ESI, Doug Gulleson, VP and Co-owner of Good Neighbor Insurance, and Pei Hsieh, Group Manager at Good Neighbor Insurance.
How Big Oil Conquered the World
 
01:11:27
TRANSCRIPT AND SOURCES: https://www.corbettreport.com/?p=16888 From farm to pharmaceutical, diesel truck to dinner plate, pipeline to plastic product, it is impossible to think of an area of our modern-day lives that is not affected by the oil industry. The story of oil is the story of the modern world. And this is the story of those who helped shape that world, and how the oil-igarchy they created is on the verge of monopolizing life itself.
Views: 1015373 corbettreport
Medigap Insurance 2018: Which Medicare Supplement Plan is Best? Plan F vs Plan G
 
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Medigap Insurance 2018: Which Medicare Supplement Plan is Best? Plan F vs Plan G CLICK HERE http://seniormarketsolutions.com - 1-800-784-8969 The 2 most popular Medicare Supplement (Medigap) plans are Plan F & Plan G. Should you choose Medigap Plan F or Plan? For those with Medicare, Medicare Supplement Insurance (also called Medigap) can help ease the burden of potentially high out-of-pocket costs such as deductibles, coinsurance and other fees. When comparing Medigap Plan F and Plan G, you'll see there's only one major difference in benefits — Plan F covers the Medicare Part B deductible and Plan G doesn't. Medigap Plan F Coverage With Medigap Plan F, you get coverage on all nine basic benefits listed above. In fact, 56% of Medicare beneficiaries enrolled in a Medigap policy in 2014 were enrolled in Plan F. A Medigap Plan F policy could cost more in monthly premiums than some other Medigap plans that offer fewer benefits. Newly eligible Medicare beneficiaries won't be able to purchase Medigap Plan F or Plan C starting in 2020. Until that time, you can still likely purchase Plan F in your area if it is available and if you qualify. So how does Plan F compare vs. Plan G? Medigap Plan G Coverage Medigap Plan G has almost all of the same basic benefits as Plan F, except for coverage of the Medicare Part B deductible ($183 in 2018). This means that once your Part B deductible is paid in full, a Medigap Plan G policy would offer the same coverage as Plan F. Opting for Medigap Plan G coverage could equal lower monthly premiums depending on your location, your insurance provider and other factors. Deciding which plan is right for you could come down to availability, the cost of monthly premiums and whether or not you want coverage for the Medicare Part B deductible. Deciding on Medigap Plan F vs. Plan G How much your monthly premium costs could be determined by several factors. Your current health, age, gender, your location and your Medicare Supplement Insurance company could all influence your premiums, depending on when you buy your policy. The best time to buy a Medigap plan is during your Medigap open enrollment period. Insurers can't use your health against you during this time. You can't be denied coverage or charged higher premiums due to your health history. Your Medigap open enrollment period begins the month you are 65 years old and enrolled in Part B. WATCH OUR MOST VALUABLE PLAYLIST NOW! https://www.youtube.com/playlist?list=PLKwf8qqc3cdJf7PhMNBHMhZdQROobTMam SUBSCRIBE to MORE HELPFUL VIDEOS: https://www.youtube.com/channel/UC1m9WLGV2QLFz6YYxTV97gA?sub_confirmation=1 *********GET OUR FREE 2018 MEDIGAP AND YOU E-BOOK********* JUST TAKE OUR QUIZ: Which Medigap Plan Is Best For You? TAKE QUIZ NOW------https://www.qzzr.com/c/quiz/455510/wh... Let us help you with your Medicare Insurance Options, our services are 100% FREE to you. ====================================================== TALK PRIVATLEY WITH ONE OF OUR MEDIGAP ADVISORS TODAY TOLL-FREE-------1-(800)-784-8969 FACEBOOK-------https://www.facebook.com/MedigapPlan/ TWITTER----------https://twitter.com/YourMedigap PINTEREST-------https://www.pinterest.com/seniormarketsol/ MORE VIDEOS TO WATCH HERE! https://www.youtube.com/channel/UC1m9WLGV2QLFz6YYxTV97gA
The Slave Circle (Direct Marketing Devil Corp. Documentary)
 
01:38:18
More information: http://www.facebook.com/slavecircle http://www.imdb.com/title/tt7767640/ Film Chapters: Introduction 0:00:00 The Interview Process 0:02:48 Your First Day 0:12:14 Brainwashing & Mind Control 0:15:32 The Language of the Business 0:22:29 Team Leaders: The Blinded Leading the Blind 0:26:50 Selling Techniques: 1-on-1 0:33:11 Selling Techniques: Show Style 0:41:54 The Products 0:46:44 The Lie of Business Ownership 0:50:16 Following the Script: Online Reviews 0:59:45 Following the Script: Company Photos 1:05:58 Following the Script: Fair BS 1:07:32 Business as a Pyramid 1:09:31 Business as an M-L-M 1:15:08 The "C" Word 1:21:28 15 Months 1:28:19 Getting Out 1:30:57 Conclusion 1:33:56 Credits 1:36:56
Effect of telephone health coaching (Birmingham OwnHealth®) on hospital use and associated costs
 
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Read the research here: http://www.bmj.com/cgi/doi/10.1136/bmj.f4585 One-to-one telephone health coaching did not seem to reduce hospital use and related costs for patients with long term conditions -- and may even lead to increased use, finds a study published on bmj.com today. The study adds weight to the view that health coaching by itself does not appear to reduce hospital activity. The authors suggest that it may be more effective if it were better integrated into the respective care pathways for these groups of patients or were coupled with other interventions. Telephone health coaching is used to provide guidance and support to patients with long term conditions. It involves regular phone calls between patient and health professional to promote healthy behaviours, help patients to manage their condition more independently, and identify any problems before they become critical. As a result, it is thought that hospital admissions will be prevented, saving costs for healthcare systems. However, the current evidence base is unclear. So Ernst and Young and the Nuffield Trust were commissioned by the Department of Health to evaluate the impact of England's largest telephone health coaching service (Birmingham OwnHealth®) on hospital use and associated costs. They analysed data from the first two years of the scheme (2006 to 2008), concerning 2,698 patients (average age 65 years) with heart failure, coronary heart disease, diabetes or chronic lung disease (COPD), and a history of inpatient or outpatient hospital use. Intervention patients received a personalised care plan and a monthly telephone call from a care manager, typically lasting for 15 minutes. Matched control patients received usual care, which did not include telephone health coaching. The annual number of emergency admissions increased by 0.05 per head more among intervention patients than matched controls (a relative increase of 13.6%). Outpatient attendances also increased by 0.37 per head more among intervention patients than controls, while secondary care costs rose by £175 per head more among intervention patients than controls. Further checks showed that the researchers were unlikely to have missed reductions in emergency admissions because of unseen differences between intervention and matched control groups.
Views: 297 The BMJ
Keynote (Google I/O '18)
 
01:46:32
Learn about the latest product and platform innovations at Google in a Keynote led by Sundar Pichai. This video is also subtitled in Chinese, Indonesian, Italian, Japanese, Korean, Portuguese, and Spanish. Rate this session by signing-in on the I/O website here → https://goo.gl/Gea8Mx 10 minute recap video here → https://goo.gl/jmCF4S Google I/O 2018 All Sessions Playlist → https://goo.gl/q1Tr8x Subscribe to the Google Developers channel → http://goo.gl/mQyv5L Music by Terra Monk → https://goo.gl/wPgbHP
Views: 4045651 Google Developers
Coverage of Helsinki Summit as Vladimir Putin and Donald Trump hold historic meeting
 
04:37:50
After a significant delay in schedule, Mr. Trump and the U.S. delegation have arrived at the Presidential Palace for their day of meetings. The leaders are expected to discuss national security issues as well as the issue of Russian meddling in the 2016 election. Follow live updates: https://www.cbsnews.com/live-news/trump-putin-meeting-us-russia-helsinki-finland-summit-live-updates-today-2018-07-16/ "President Donald J. Trump and President Vladimir Putin of the Russian Federation will meet on July 16, 2018, in Helsinki, Finland. The two leaders will discuss relations between the United States and Russia and a range of national security issues," the White House statement said. Subscribe to the CBS News Channel HERE: http://youtube.com/cbsnews Watch CBSN live HERE: http://cbsn.ws/1PlLpZ7 Follow CBS News on Instagram HERE: https://www.instagram.com/cbsnews/ Like CBS News on Facebook HERE: http://facebook.com/cbsnews Follow CBS News on Twitter HERE: http://twitter.com/cbsnews Get the latest news and best in original reporting from CBS News delivered to your inbox. Subscribe to newsletters HERE: http://cbsn.ws/1RqHw7T Get your news on the go! Download CBS News mobile apps HERE: http://cbsn.ws/1Xb1WC8 Get new episodes of shows you love across devices the next day, stream CBSN and local news live, and watch full seasons of CBS fan favorites like Star Trek Discovery anytime, anywhere with CBS All Access. Try it free! http://bit.ly/1OQA29B --- CBSN is the first digital streaming news network that will allow Internet-connected consumers to watch live, anchored news coverage on their connected TV and other devices. At launch, the network is available 24/7 and makes all of the resources of CBS News available directly on digital platforms with live, anchored coverage 15 hours each weekday. CBSN. Always On.
Views: 63934 CBS News
Stop-Loss or reinsurance and Self-funded health insurance
 
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Stop-Loss hangout -Today we'll be talking about: Specifically International self-funded health insurance and Buying Reinsurance • Defining Aggregate and Specific Stop-loss: • One policy with different features, or different policies?   • Can you explain 12/12, 12/15, 15/12 ("run-in, run-out, do the hokie-pokie and turn yourself about") and how they would be used?   • "Lasering"   • How to avoid lasering? More on this topic can be found at: http://www.selffundedhealthinsurance.com/understanding-stop-loss-reinsurance/ or by calling Good Neighbor Insurance at 480-813-9100.
The National Academy of Medicine’s 2016 Richard & Hinda Rosenthal Symposium
 
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The National Academy of Medicine’s 2016 Richard & Hinda Rosenthal Symposium: Precision Population Health 4 - 6 PM, Tuesday, December 6, 2016 Panel discussion in the University of Washington's Kane Hall on precision population health featuring keynote speaker Susan Desmond-Hellman, MD, MPH, CEO, Bill and Melinda Gates Foundation. Presenters: Victor J. Dzau, MD, president, National Academy of Medicine Paul G. Ramsey, MD, CEO, UW Medicine, executive vice president for Medical Affairs, dean, UW School of Medicine, University of Washington Panelists: Susan Desmond-Hellmann, MD, MPH, CEO, Bill and Melinda Gates Foundation Peter Lee, PhD, corporate vice president, Microsoft Research Chris Murray, MD, D Phil, professor, Department of Global Health Institute, director, Institute for Health Metrics and Evaluation, University of Washington Jay Shendure, MD, PhD, professor, Department of Genome Sciences, University of Washington Moderator: Bob Waterston, MD, PhD, William H. Gates III Endowed Chair in Biomedical Sciences, professor and chair, Department of Genome Sciences, University of Washington https://nam.edu/event/2016-richard-hinda-rosenthal-symposium-precision-public-health/ Kane Hall, University of Washington, Seattle, WA 12/6/2016
Views: 1196 UWTV
i can t afford insurance
 
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Try this site to compare insurance quotes: http://INSURECOMPAREQUOTES.US/index.html?src=ytrewriter i can t afford insurance The Internet now makes it easy because there are many price-comparison search websites that crunch your details and in seconds compares different deals to show you the lowest car insurance offers available. Statistical reports show that almost 65% of insurance plan holders are paying more premiums than they really should be paying. If you know sufficient you must locate insurance plan in a great selling price. Many young adults cannot even afford to buy their own health insurance and do not know what to do. What would you rather do, pay your phone bill or buy yourself a new jacket or a set of golf clubs? 4. Pay your insurance premium in advance. The Congressional Budget Office predicts the number of uninsured will swell by 4 million nationwide when the tax penalty comes to an end in 2019, resulting in 10 percent annual premium increases. Although insurance providers have the right to cancel your payment even if you miss paying your premium by the day, they tend to have a grace period for people who are late on their payment. br div style="clear:both; text-align:center" iframe width="640" height="360" src="https://www.youtube.com/embed/-Re2nMvOPxI?iv_load_policy=3&modestbranding=1&disablekb=1" frameborder="0" allowfullscreen title="2017 Auto Insurance Tips - What You Need to Know About Car Insurance in Texas" /iframe /div Publisher: Stuart Broad Although at times many people do not think of insurance policies to be something worth considering, it is good to understand that there are many factors surrounding this issue which are really important. The fees usually cost about the same as having a policy would, and its never worth having your lease terminated just because you didnt have renters insurance. It is worth looking into. Find cheap car insurance quotes online without sacrificing great coverage! If you rolled a loan balance from another car into the loan, gap insurance can prove beneficial in the event of a total loss. Having health insurance can be a huge relief. If you are required to get this form your insurance will cost more than drivers with perfect records. Dental students need patients to work on and the cost is much lower than on the outside. Some say USAA is the least expensive option they found for car insurance for veterans, while others say they paid half as much after switching to GEICO. Do not threat personal confrontations or even becoming forced to suggestion a legal or unlawful alien for a half carried out drying out job. The costs of medical care have leaped up by leaps and bounds over the past few years and are slowly, but surely, getting out of the reach of the common people. Five minutes of searching will turn up a hundred people complaining that when they got in an accident, their bargain-price insurance was unresponsive and unhelpful. Teachers Auto insurance Company of New Jersey and USAA typically ranked as the third cheapest (after excluding Western United / AAA) in a handful of cities. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices. For some of the most affordable car insurance rates, Glendale drivers should take a look at Freedom National, Auto Owners, State Farm, Farmers, and Ameriprise Group. Health insurance for small businesses is typically more expensive than for larger companies (on a per employee basis) because it is more difficult for insurance companies to accurately predict the average cost of medical care for a small group. Some people want to take care of things face to face, or at least over the phone. The way to influence the public opinion has historically been to feed people information from the top. Another company usually caters to Sally because she is likely that everyone's needs will have to put a maximum torque from as many car accidents are also a good credit borrowers, but you will need to differentiate themselves. But for this you need to make sure that the company you have hired provides insurance to your car. Before purchasing insurance coverage, make sure you improve your health. There are also smaller, mor
Microsoft Build 2018 // Vision Keynote
 
03:37:35
CEO Satya Nadella takes the stage at Microsoft Build, our annual developer conference, at 8:30AM PT Monday, May 7. Join us to learn what's next for developers: https://news.microsoft.com/build2018/ Subscribe to Microsoft on YouTube here: https://aka.ms/SubscribeToYouTube Follow us on social: LinkedIn: https://www.linkedin.com/company/microsoft/ Twitter: https://twitter.com/Microsoft Facebook: https://www.facebook.com/Microsoft/ Instagram: https://www.instagram.com/microsoft/ For more about Microsoft, our technology, and our mission, visit https://aka.ms/microsoftstories
Views: 158504 Microsoft
Medicare Plan G offers more rate stability than Medicare Supplement Plan F
 
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Medicare Supplement Plan G offers more stability than Medicare Supplement Plan F: Robert Bache aka Medicare Bob hosted a Facebook Live video providing a real comparison of Medicare Supplement premium increases and differences between Medicare Supplement Plan F and Medicare Supplement Plan G with one of the top Medicare Supplement Carriers in the Country.
Views: 330 Robert Bache
Tesla 2018 Shareholder Meeting [Live]
 
01:18:27
Join me as we listen in to the Tesla 2018 Annual Shareholder Meeting LIVE and have a discussion about the news. Get an invite to the private chat during the show by signing up for our email list at http://teslanomics.co/join Source: https://www.tesla.com/shareholdermeeting // New here? Check out more Most Recent Video - https://goo.gl/k3pWlt Most Popular Video - https://goo.gl/jydACR Subscribe - https://goo.gl/tPDO7v // Shoot me a msg online fb https://fb.com/teslanomics tw https://twitter.com/teslanomicsco // My Gear Books https://kit.com/teslanomicsco/books-i-ve-actually-read Tech https://kit.com/teslanomicsco/tech-gear Camera - https://kit.com/teslanomicsco/camera-gear Model 3 Essentials - https://kit.com/teslanomicsco/tesla-model-3-essentials // Music by Epidemic Sound // Disclaimer This video and channel are not affiliated with Tesla nor did they endorse this specific production.
The Truth About Obamacare
 
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Obamacare facts explained by Stefan Molyneux. A comprehensive look at the Patient Protection and Affordable Care Act (PPACA) and it's implementation. Freedomain Radio is 100% funded by viewers like you. Please support the show by signing up for a monthly subscription or making a one time donation at: http://www.fdrurl.com/donate Bitcoin Address: 1Fd8RuZqJNG4v56rPD1v6rgYptwnHeJRWs Litecoin Address: LL76SbNek3dT8bv2APZNhWgNv3nHEzAgKT Get more from Stefan Molyneux and Freedomain Radio including books, podcasts and other info at: http://www.freedomainradio.com Amazon US Affiliate Link: www.fdrurl.com/AmazonUS Amazon Canada Affiliate Link: www.fdrurl.com/AmazonCanada Amazon UK Affiliate Link: www.fdrurl.com/AmazonUK Freedomain Radio Facebook: http://www.fdrurl.com/fb Freedomain Radio Twitter: https://twitter.com/freedomainradio Freedomain Radio Google+: http://www.fdrurl.com/google Freedomain Radio LinkedIn: http://www.fdrurl.com/LinkedIn http://www.weeklystandard.com/blogs/millions-americans-are-losing-their-health-plans-because-obamacare_764602.html http://www.washingtonpost.com/politics/house-panel-grills-contractors-on-troubled-health-insurance-web-site/2013/10/24/8f42c748-3ca7-11e3-b7ba-503fb5822c3e_story.html?hpid=z1 http://themattwalshblog.com/2013/10/21/the-definitive-guide-to-how-obamacare-is-destroying-american-lives/ http://www.forbes.com/sites/theapothecary/2013/09/25/double-down-obamacare-will-increase-avg-individual-market-insurance-premiums-by-99-for-men-62-for-women/ http://danfromsquirrelhill.wordpress.com/2013/09/24/obamacare-59/ http://news.investors.com/politics-obamacare/101713-669013-obamacare-employer-mandate-a-list-of-cuts-to-work-hours-jobs.htm#ixzz2iemiqA00 http://www.newsmax.com/newswidget/obamacare-house-hearing/2013/10/24/id/532856?promo_code=1160B-1&utm_source=1160BReason&utm_medium=nmwidget&utm_campaign=widgetphase1 http://reason.com/blog/2013/10/23/the-obama-administration-never-ran-a-com
Views: 173075 Stefan Molyneux
Call 1-888-330-3984 Medicare Supplement Health Insurance Plans
 
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Views: 2 Ralph Bellamy
Bipartisan Meeting on Health Reform: Part 2
 
01:36:58
President Obama and Congressional leaders from both parties discuss controlling health care costs at the Blair House in Washington, D.C.
Views: 46838 The Obama White House
Sounding the Alarm on Individual Health Insurance Market
 
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Minnesota Department of Commerce Commissioner Mike Rothman released details Friday, September 30, about the steep premium increases in the 2017 individual health care market Roughly five percent of Minnesotans who do not have access to employer-based health care coverage purchase coverage through the individual market. The enrollment period for 2017 begins November 1, 2016 and runs through January 31, 2017. Noting the over 50 percent rate hikes, Commissioner Rothman pointed to serious and troubling trends in the individual health insurance marketplace, and urged legislators to take action to address the instability. While acknowledging that the news is discouraging, MNsure CEO Allison O’Toole reminded Minnesotans that MNsure has trained staff available statewide to help with enrollment,. She said that over 100,000 Minnesotans are currently not taking advantage of the tax credits available by enrolling through MNsure.
Yelawolf - American You
 
03:38
Pre-order the album Love Story now On iTunes: http://smarturl.it/YelaLoveStory Google Play: http://smarturl.it/YelaLoveStoryGP Amazon MP3: http://smarturl.it/YelaLoveStoryAmz Sign up for updates: http://smarturl.it/Yelawolf.News Best of Yelawolf: https://goo.gl/vy7NZQ Subscribe here: https://goo.gl/ynkVDL
Views: 30631004 YelawolfVEVO
Call 1-888-330-3984 Medicare Health Supplement Insurance Plans
 
00:41
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Views: 6 Ralph Bellamy